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Loan Rates

Rates Effective December 16, 2014

Savings Rates | Certificate Rates | Loan Rates | Fees

Loan Type
APR*
Term
Comment
Share Secured
3.50%
Share Secured > 5 years
3.75%
Certificate Rate
2% above certificate rate
Personal Loans
7.75% - 17.00%
$16,000.00 max.
Quick Silver Line of Credit
15.25% - 17.75%
$7,500.00 max.
Educational
7.25% - 14.25%
$12,000.00 max.
VISA Cards (Secured)
11.00%
$15,000.00 max.
VISA Cards (Unsecured)
13.50%
$7,500.00 max.
Autos New or Used**
1.99% - 14.25%
24 months
0% down
 
1.99% - 14.50%
25 - 36 months
0% down
 
1.99% - 14.75%
37 - 48 months
0% down
 
1.99% - 15.00%
49 - 66 months
0% down
 
5.50% - 6.75%
67 - 72 months
0% down
 
6.00% - 7.25%
73 - 84 months
0% down
Autos New or Used**
2.89% - 13.75%
24 months
10% down
 
2.89% - 14.00%
25 - 36 months
10% down
 
1.99% - 14.25%
37 - 48 months
10% down
 
1.99% - 14.50%
49 - 66 months
10% down
 
5.00% - 12.75%
67 - 72 months
10% down
 
5.50% - 6.75%
73 - 84 months
10% down
Other Vehicles
5.50% - 15.25%
24 months
0% down
 
5.50% - 15.50%
25 - 36 months
0% down
 
5.50% - 15.75%
37 - 48 months
0% down
 
5.50% - 16.00%
49 - 60 months
0% down
 
6.50% - 7.75%
61 - 72 months
0% down
 
7.00% - 8.25%
73 - 84 months
0% down
 
5.00% - 14.75%
24 months
10% down
 
5.00% - 15.00%
25 - 36 months
10% down
 
5.00% - 15.25%
37 - 48 months
10% down
 
5.00% - 15.50%
49 - 60 months
10% down
 
6.00% - 13.75%
61 - 72 months
10% down
 
6.50% - 7.75%
73 - 84 months
10% down
Individual Retirement
15.00%


Home Equity Line of Credit Variable Rates
Borrower
70%Equity
APR
Maximum Loan
80%Equity
APR
Maximum Loan
A+ Borrower
Prime plus 1.0%
$125,000.00
Prime plus 1.25%
$100,000.00
A Borrower
Prime plus 1.25%
$100,000.00
Prime plus 1.50%
$75,000.00
Established Member
Prime plus 1.50%
$75,000.00
Prime plus 1.75%
$50,000.00


Home Equity Fixed Rates
Borrower
70%Equity APR
1st Position
Maximum Loan
80%Equity APR
1st Position
Maximum Loan
A+ Borrower
4.75%
$350,000.00
5.00%
$150,000.00
A Borrower
5.00%
$325,000.00
5.25%
$140,000.00
Established Member
5.25%
$200,000.00
5.50%
$125,000.00
Credit Builder
6.75%
$150,000.00
7.00%
$50,000.00
Borrower
70%Equity
APR
2nd Position
Maximum Loan
80% Equity
APR
2nd Position
Maximum Loan
A+ Borrower
5.50%
$150,000.00
6.75%
$125,000.00
A Borrower
5.75%
$125,000.00
7.00%
$100,000.00
Established Member
6.00%
$100,000.00
7.25%
$75,000.00
Credit Builder
7.50%
$50,000.00
8.75%
$25,000.00

Rates are variable and are determined at the discretion of the Board of Directors. Therefore‚ the Dividend Rate and Annual Percentage Yield are subject to change. Dividend Rates and APYs shown were offered within the effective dates shown above. Please call the Credit Union to obtain current rate information. Fees may reduce earnings.

All loan rates and terms are based on an evaluation of each member’s credit history‚ payment type‚ loan amount and loan purpose‚ so your rate and terms may differ. All loans are subject to credit approval.

Auto Loans
Financing of Tax and Tags for Autos is subject to approval.

Home Equity Mortgage Loans
All rates and terms are based on an evaluation of each member’s credit history‚ loan-to-value (LTV) payment type, loan amount‚ and loan purpose‚ so your rate and terms may differ. All loans are subject to credit approval.

Fixed or Variable Rate Home Equity Mortgages are available for primary residences only.

Mortgage Insurance is required on all mortgage loans.

Fees: Application fee $75.00. Origination fee $300.00. You must also pay certain fees to third parties. An itemization of these fees can be supplied upon request.

Home Equity Fixed Rate and Term
Rate is fixed for 240 months

Fixed Rate Payment Example
If you had and outstanding balance of $150‚000 the repayment of principal and interest would be 240 equal monthly installments of $1‚053.11.

Home Equity Line of Credit
Variable Rate Mortgages — The rate is variable‚ and your APR may increase. The Annual Percentage Rate is based on the value of an index. The index is the Prime Rate as published in the Money Rates Section of The Wall Street Journal on the first business day of each month. To determine the Annual Percentage Rate that will apply to your line of credit‚ we add a margin to the value of the index. Ask us for the current index value‚ margin and Annual Percentage Rate.

Term — Total 240 months; Credit Advances or Draw Period 84 months‚ Repayment 156 months

Your Annual Percentage Rate can change on the 1st day of each month. Your interest rate cannot increase or decrease more than 1.00 percentage point each month. The maximum ANNUAL PERCENTAGE RATE at any time is 18.00%.

Maximum Rate And Payment Examples
If you had an outstanding balance of $10,000 during the draw period‚ the minimum payment at the maximum ANNUAL PERCENTAGE RATE of 18.00% would be $154.35.

If you had an outstanding balance of $10,000 during the repayment period‚ the minimum payment at the maximum ANNUAL PERCENTAGE RATE of 18.00% would be $154.35.

Direct Deposit and/or Payroll Deduction required for C and D Borrowers

Indices
26 Week T-Bill Rate .110%
Wall Street Journal Prime 3.25%

APY= Annual Percentage Yield
APR= Annual Percentage Rate
LTV=Loan to Value Ratio

 

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